# myghpay vs VTMoney

The clearest difference is rating: myghpay at 4.7 against VTMoney's 2.0. myghpay also leads on ads (none vs shown) and ratings volume (325 vs 4). VTMoney's advantage is update cadence (fortnightly vs every 8 months) and iOS requirement (13.0 vs 15.1). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

myghpay holds the better App Store score, 4.7 against 2.0. That said, the two scores are not equally well evidenced: myghpay has 325 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 45% of myghpay's written reviews are positive against 33% of VTMoney's.

myghpay ships an update every 8 months, VTMoney fortnightly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | myghpay | VTMoney |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (325 ratings)](https://appshunter.io/ios/app/myghpay/id1245112133/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/vtmoney/id6449646369/reviews) |
| Number of ratings | **325** | 4 |
| Positive reviews | **45.5% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 8 months | **Fortnightly** |
| Monetization | **Free** | Ad-supported |
| Size | 46 MB | 52 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [GUARANTY TRUST BANK GHANA LTD](https://appshunter.io/developer/1245112132) | [Fxkudi Company Limited](https://appshunter.io/developer/1549550518) |

## What reviewers say

### myghpay

[App page](https://appshunter.io/ios/app/myghpay/id1245112133)

This app facilitates secure and fast payments for a wide range of goods and services using your mobile money, cards, or bank account. It offers convenient features like remembering favorites and biometric authorization for seamless transactions.

**Highlights:** Mobile money payments, Card payments (Visa/Mastercard), Bank account payments, Biometric authorization (Face ID, biometrics, PIN), Receipt generation, Payment for utilities and subscriptions, Money transfers

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy and convenient to access
- 🚀 Fast and reliable for payments
- 👍 User-friendly and simple interface
- 👍 Cheapest transaction fees
- 👍 Less charges, easy to transfer

**What reviewers complain about**

- 🐛 Transactions stuck on pending
- 🐛 Deducted money not reflected
- 🐛 Scam app allegations
- ❌ No support available
- 🐛 App acting funny

**Reported bugs**

- Transactions stuck on pending for days
- Deducted money not reflected in account
- App automatically signs out and invalidates credentials
- App crashes on opening
- Updates to wallet payment on app does not reflect on website and vice versa

**Requested features**

- Allow adding back deleted saved numbers sooner than a month
- Add Visa debit card payment option
- Fix inability to go back after clicking buy airtime


### VTMoney

[App page](https://appshunter.io/ios/app/vtmoney/id6449646369)

This neo-banking app offers instant account setup in multiple currencies and seamless cross-border transactions. Securely shop online with virtual cards and easily pay bills like airtime and electricity.

**Highlights:** Instant account setup (NGN, GHS, USD, GBP), Cross-border payments to 25+ countries, Virtual card for secure online shopping, Bill payments (airtime, data, cable TV, electricity), Send money with username

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is myghpay free?

myghpay is free to download, with no in-app purchases.

### Is VTMoney free?

VTMoney is free to download, with no in-app purchases.

### Which has better reviews, myghpay or VTMoney?

myghpay is rated higher. myghpay averages 4.7 out of 5 from 325 ratings, while VTMoney averages 2.0 from 4 ratings.

### Do myghpay or VTMoney have ads?

VTMoney shows ads; myghpay does not.

### Which is updated more often, myghpay or VTMoney?

myghpay ships an update every 8 months, and VTMoney fortnightly. Most recently, myghpay was updated on November 2, 2026 and VTMoney on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*